The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,986
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,670
−HK$694/mo
Today · 4.125%
HK$23,364
baseline
▲ 0.50% · 4.625%
HK$24,786
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,728/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,459
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,115
−HK$665/mo
Today · 4.125%
HK$25,780
baseline
▲ 0.50% · 4.625%
HK$27,139
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,560/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,383
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,204
−HK$833/mo
Today · 4.125%
HK$28,037
baseline
▲ 0.50% · 4.625%
HK$29,743
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,074/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,351
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,138
−HK$798/mo
Today · 4.125%
HK$30,936
baseline
▲ 0.50% · 4.625%
HK$32,567
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,872/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,780
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,737
−HK$973/mo
Today · 4.125%
HK$32,710
baseline
▲ 0.50% · 4.625%
HK$34,701
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,420/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,243
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,161
−HK$932/mo
Today · 4.125%
HK$36,093
baseline
▲ 0.50% · 4.625%
HK$37,995
+HK$1,902/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,186/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,574
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,805
−HK$1,251/mo
Today · 4.125%
HK$42,056
baseline
▲ 0.50% · 4.625%
HK$44,615
+HK$2,559/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,112/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,026
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,207
−HK$1,198/mo
Today · 4.125%
HK$46,405
baseline
▲ 0.50% · 4.625%
HK$48,851
+HK$2,446/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,810/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,180 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).